In this busy life, it is not surprising to forget a few important things like renewing your car insurance policy.
If your car insurance has expired, you legally cannot drive your four wheeler on the roads. If the cops catch you, they may levy a mammoth fine or even seize your vehicle. Actually there are many negative consequences of not renewing the car insurance on time. Also, renewing a lapsed car insurance is a tougher job as compared to getting a new one. Here is what should be done in case of an expired car insurance:
Contact your insurer ASAP
What is important is, as soon as you get to know that you have expired your four wheeler insurance, immediately contact your car insurer. If you have just expired your policy, you may get a grace period and it may get renewed without paying an extra cost or penalty in an easy process. Some companies offer grace periods while some don’t. The grace period can range from 3 days to as many as 30 days. But with this, some companies do levy a late fee or penalty for using the grace period. However, if much time has already passed and you are out of your grace period, you may have to bear a lengthy process and also a penalty. In both the cases contact your insurer immediately and ask what has to be done without wasting any more time.
Keep the documents handy
You must keep important car related documents handy to immediately pass on to the insurer when asked. The documents for renewing your lapsed car insurance policy may include car RC or a copy of your previous insurance policy. Also fetch the documents regarding all the past claims if you have taken. This is necessary as only after …